National Flood Insurance Program

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with private insurance companies to offer flood insurance. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.

Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from floods associated with heavy rains, melting snow, or other conditions that impact the City.

The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Flood insurance protects two types of property: Building and contents; but neither covers the land they occupy.